🇮🇳 PM Yojana List 2025 – Full Guide to Active Central Government Schemes
Empowering Every Indian – From Farmers to Workers, Students to Senior Citizens
📌 Introduction: Why PM Yojanas Matter
Every year, the Indian government launches and continues several welfare schemes — commonly known as PM Yojanas — to support citizens across various sectors. But sadly, millions of eligible people miss out on these benefits due to lack of awareness or confusion about eligibility.
At BharatSchemes.com, our goal is simple — to bring simplified, verified and up-to-date details of government schemes to every doorstep in India.
🔝 Top 10 PM Yojanas in 2025 – Complete Details
Here’s a complete, humanised breakdown of the most active and useful Pradhan Mantri Yojanas in 2025:
1. Ayushman Bharat Yojana (PM-JAY) – Free Health Insurance up to ₹5 Lakh
- Launched: 2018
- Coverage: ₹5,00,000 per family per year
- Benefits: Cashless secondary & tertiary hospitalization, pre-existing diseases covered, family floater benefit
- Who’s Eligible: Families listed in SECC 2011 (Rural & Urban) database
- Where to Apply: PM -JAY Portal
2. PM Kisan Samman Nidhi Yojana – ₹6000 Annual Income Support to Farmers
- Launched: 2019
- Benefit: ₹2000 paid every 4 months, directly to farmer’s bank account
- Who’s Eligible: Small & marginal farmers with landholding up to 2 hectares
- Apply at: pmkisan.gov.in
3. PM Shram Yogi Maandhan (PM-SYM) – ₹3000 Monthly Pension for Workers
- Target: Unorganised workers aged 18–40 earning below ₹15,000/month
- Contribution: ₹55–200/month (depending on age), matched by Government
- Pension: ₹3000/month after turning 60
- Enrol at CSC (Common Service Centre) near you
4. Sukanya Samriddhi Yojana – Secure Your Daughter’s Future
- Benefit: Up to 8% tax-free interest
- Deposit: ₹250 to ₹1.5 lakh/year till 15 years of age
- Maturity: After 21 years or at girl’s marriage (after 18)
- Who’s Eligible: Parents of a girl child below 10 years
5. Pradhan Mantri Awas Yojana (Urban & Rural) – Home for All
- Urban: Subsidy on home loans up to ₹2.67 lakh
- Rural: Financial support up to ₹1.2 lakh to build homes
- Target: EWS, LIG, MIG families; rural BPL families
- Apply via: pmaymis.gov.in
6. PM Vishwakarma Yojana 2025 – Support for Traditional Artisans
- Benefit: ₹15,000 toolkit, training + ₹3 lakh business loan
- Eligibility: Carpenters, tailors, potters, blacksmiths, and more
- Apply via: CSCs or official PM Vishwakarma portal
7. PM Mudra Yojana (PMMY) – Loans for Small Businesses
- Loan Types:
- Shishu (up to ₹50,000)
- Kishore (₹50,000 – ₹5 lakh)
- Tarun (₹5 lakh – ₹10 lakh)
- No collateral needed
- Where to Apply: Any bank, NBFC, or online
8. PM Jeevan Jyoti Bima Yojana (PMJJBY) – Life Insurance at ₹330/year
- Benefit: ₹2 lakh on natural death
- Eligibility: Citizens aged 18–50 with a bank account
- Renewal: Annually
9. PM Suraksha Bima Yojana (PMSBY) – Accident Cover at ₹12/year
- Benefit: ₹2 lakh on accidental death or permanent disability
- Entry Age: 18–70 years
- Active bank account with auto-debit required
10. National Digital Health Mission (NDHM)
- Digital health ID for all citizens
- Online access to medical history and records
- Integration with Ayushman Bharat hospitals
📝 Required Documents for PM Yojanas
- Aadhaar Card
- PAN Card (if available)
- Bank Account Passbook
- Income Certificate (for select schemes)
- Caste Certificate (if applicable)
- Domicile Certificate
📌 Where to Apply?
You can apply for most schemes through:
✅ CSC Centres
✅ Banks (for insurance & Mudra)
✅ Official Scheme Portals
✅ UMANG App (for unified access)
❓ FAQs – PM Yojana 2025
Q1. How do I know which scheme I am eligible for?
Visit bharatschemes.com — we guide you based on age, income, and profession.
Q2. Are all PM Yojanas free?
Some are free (like Ayushman); others require small contributions (like PMJJBY at ₹330/year).
Q3. Can I apply online?
Yes, most schemes now offer online forms or can be accessed through the UMANG app.
🌟 Final Words – Don’t Let These Benefits Go to Waste
More than ₹1 lakh crore in benefits are distributed through these schemes every year. All you need is awareness and the right information.
Let BharatSchemes.com be your trusted guide to all Sarkari Yojanas. Share this blog with your friends, family, and community.
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